中原銀行的數字化轉型新探索：對標互聯網大廠思維與速度

{"type":"doc","content":[{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":"br"}},{"type":"blockquote","content":[{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","text":"導語：中原銀行創新條線從成立之初，就是以互聯網大廠的模式在推進，以互聯網大廠的技術標準和人才標準進行自我要求。相對於傳統銀行的數字化轉型探索，它更像是一個最瞭解銀行的科技公司。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","text":"標籤：最佳實踐、方法論、企業動態、新基建、文化&方法"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","text":"作者：陳園園"}]}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","text":"當前，“加快數字化發展，打造數字經濟新優勢”的理念深入人心，從政府到各大企業，“數字化轉型”都是人們關注的焦點，大家都希望能高效、無痛地完成企業數字化、智能化轉型，實現華麗轉身，搭上數字經濟這班列車。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","text":"一直以來，業界關於數字化轉型的思考與探索從未停止。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","text":"數字化轉型到底該怎麼做？具體有哪些路可以走？"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","text":"近日，InfoQ 採訪了中原銀行創新條線 CTO 黃碩和數字負責人秦龍（後文分別用黃、秦表示），交流並瞭解中原銀行的數字化轉型實踐。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"heading","attrs":{"align":null,"level":2},"content":[{"type":"text","text":"追趕互聯網速度的傳統銀行"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","text":"中原銀行堅持“科技立行、科技興行”的發展理念，自2018年5月全面啓動數字化轉型以來，通過探索運用金融科技，充分發揮大數據作用，全面推進業務智能化改造，在金融業數字化轉型浪潮中取得了亮眼的成績，取得了一系列轉型成果。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","text":"數字化轉型之初，中原銀行創新性地把“敏捷”概念引入到銀行業，以零售條線作爲試點在銀行內部推動敏捷化轉型，打造敏捷組織與制度。中原銀行將原有的零售條線拆分成 9 個部落，每個部落裏彙集該業務方向的所有業務人員、分析人員和技術人員等，大家針對共同的業務目標緊密結合，一同推動業務發展。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","text":"黃：“以前，銀行各個部門的工作內容相互獨立，各個崗位區域明確劃分，現在中原銀行將原有機構的人力資源重新配置調整，建立了科技與業務相融合的、基於跨職能實體小組的、涵蓋客羣、產品、渠道的敏捷組織架構。這種模式減少了部門間溝通的中間環節，讓大家自發去思考團隊怎麼才能更好地爲業務賦能、更好地做創新，在實踐中不斷的小步迭代。”"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","text":"中原銀行敏捷化模式在零售條線試點成功後，逐漸被推廣到其他業務條線，如公司條線、風險條線等，提升了中原銀行在金融業的知名度，成爲中小銀行數字化轉型的標杆。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","text":"敏捷化組織與數字化轉型相輔相成，在支持敏捷化組織運轉的過程中，中原銀行極大地提高了自身的技術水平與底蘊，"},{"type":"text","marks":[{"type":"strong"}],"text":"如大數據、區塊鏈、雲計算、人工智能等，打造了一套“強後臺、大中臺、敏前臺”的分佈式系統架構"},{"type":"text","text":"。而在這個架構上抽象出來的信貸系統、供應鏈系統、記賬系統、產品管理系統、營銷系統等爲全行各個業務線的數字化轉型都提供了有力的技術支撐。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","text":"此外，中原銀行還通過Serverless、低代碼等技術手段，進一步降低了研發難度，提高了研發效率。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","text":"黃：“在傳統銀行，一個想法從誕生、立項、到真正落地，大概需要 3-6 個月，而現在我們可以把流程縮至一到兩週，如此，在銀行捕捉到新的市場機遇或洞見的時候，就可以抓住機會，迅速響應。”"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"heading","attrs":{"align":null,"level":2},"content":[{"type":"text","text":"對標互聯網大廠的數字化轉型新探索"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","text":"除了技術，中原銀行數字化轉型的過程中，在業務、產品、團隊、人才等諸多方面都積累了非常多的經驗。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","text":"秦：“中原銀行始終秉持開放銀行的發展理念，在數字化轉型的過程中積累經驗，如明星產品、數字化人才培養方法、數字化方案諮詢與落地方案等。如何將經驗做標準化，提煉、梳理成邏輯自洽的理念，從而推動數字化轉型成果對外輸出，賦能其他中小銀行，是我們接下來的主要着力方向之一。”"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","text":"爲了更好地踐行開放銀行這個想法，中原銀行在原本頗有成效的數字化轉型的基礎上再次尋求突破，於 2020 年 12 月份成立了創新條線。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","text":"秦：“現在中原銀行有兩個技術團隊，一是科技條線，二是創新條線。兩者之間的差別在於，科技條線主要服務於行內的技術需求，保證行內業務、產品等的穩定發展，而創新條線主要對外，作爲第二曲線向外輸出能力，來構造第二個中原銀行。”"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","text":"“創新條線”的特別之處，主要集中在兩個方面："}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"strong"}],"text":"第一，把所有可能的業務線上化，比如對公業務、信貸等等。"},{"type":"text","text":"線下業務的線上化是當前很多傳統銀行的痛點，比如最典型的對公業務。時至今日，對公業務依舊需要業務員攜帶資料奔走審覈，真正做成一筆業務，大概需要花費半個月；而中原銀行的目標則是做到對公所有證照採集、審批流程都線上化，把業務時間縮短到幾分鐘內就能搞定。要想在數字化轉型上做出差異，那就要從提升效能、降低客戶成本的角度去創新。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","text":"黃：“未來 5-10 年，銀行大概率95% 以上的業務都是全線上化，不會再出現網點排隊的情況。銀行通過全線上化服務，可以把用戶的客戶體驗做到極致，也能獲得更多用戶和企業的相關數據，通過風控或者反向營銷去賦能，能夠創造更適合用戶的產品，形成良性循環。”"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"strong"}],"text":"第二，把中原銀行在數字化轉型過程中積累的各項能力與經驗提煉成標準化的 SaaS 化的產品，輸出給有需求的中小銀行，打造銀行間的聯盟雲。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","text":"黃：“業務線上化、智能風控、智能營銷等產品方案、數字化人才培養、數字化團隊轉型等方面的積累，信貸、理財、對公等方面的技術能力等，均可作爲數字化轉型實踐成果輸出給中小銀行。”"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","text":"目前，中原銀行已經成功輸出全國二十多家中小銀行，對這些中小銀行來說，成果借鑑成本低、效能高，是提高業務及管理效率、加速驅動業務創新、提升轉型成果的明智之選。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","text":"黃：“對於創新條線的未來發展方向，我們會在目前數字化轉型的基礎之上，加以互聯網的思維去做新的嘗試。創新條線從成立之初，就是在以互聯網大廠的思維和模式在推進，以互聯網大廠的技術標準和人才標準進行自我要求。"},{"type":"text","marks":[{"type":"strong"}],"text":"相對於傳統銀行的數字化轉型探索，我們更像是一個最瞭解銀行的科技公司。"},{"type":"text","text":"”"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","text":"在這個過程中，創新條線也遇到了不少困難和挑戰。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","text":"秦：“一是在探索產品方向、迭代技術架構、做出創新嘗試的同時，需要兼顧相應的業務指標，這就需要我們找到兩者的平衡點。二是需要能將新思路、新技能、新產品同時也賦能給行內其他部門，只有利用好各自的長項，協調好彼此的關係，才能實現雙贏。好在在中原銀行，行領導們意識統一，行員在之前三年的數字化轉型中積累了充分的理解認知，因而行內對轉型工作的認可度和共識性非常強，在溝通上比較融洽。”"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"heading","attrs":{"align":null,"level":2},"content":[{"type":"text","text":"數字化轉型到底該怎麼做？"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","text":"秦：“做好數字化轉型，三個階段是必不可少的。第一步，繪製對未來數字化轉型成功後生態體系的暢想。以銀行爲例，先明確做數字化轉型的目標和願景，分析我們的優、劣勢等，定位願景和方向，明確目標和企業價值主張。第二步，爲達成這個目標，業務邏輯和組織結構需要做出哪些調整，怎麼落實調整，如何讓企業員工理解調整、貫徹執行，如何讓現有流程和渠道適應調整、提能增效。第三步，爲支持以上調整，需要迭代出怎樣的技術架構體系，比如高併發、雲原生等等。"},{"type":"text","marks":[{"type":"strong"}],"text":"從頂層的目標願景，到中間的業務模式和組織結構，再到底層的技術平臺，這是數字化轉型必須要思考清楚的三個階段。"},{"type":"text","text":"”"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","text":"秦：“轉型會帶來傳統業務模式的變動，也會觸及一些部門利益。因此，"},{"type":"text","marks":[{"type":"strong"}],"text":"好的數字化轉型都是一把手工程，需要公司高層的鼎力支持和充分規劃協調"},{"type":"text","text":"。在實際推進的過程中，要給被轉型影響的業務團隊找一個新的發展方向和落腳點，協助團隊平滑過渡，降低轉型帶來的阻礙與困難。”"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","text":"在金融科技快速發展、數字化轉型高速推進的重要節點，在中原銀行高層的正確指引和大力支持下 ，未來的中原銀行將會持續推動改革創新，發揮金融平臺和數據化轉型的先發優勢，提高生態系統參與度，爲客戶提供更好的服務體驗。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}}]}